Maybe they should just refinance another 5 year fixed interest only loan... I hear rates are lower than ever....
Of course that would make the 20/20 lard-butt/couch-potatoes' theory of eminant collapse look as dumb as they are.
As soon as you are willing to leave your lard-butt-comfortable-couch-zone and seriously examine evidence that will change the color of your rose colored glasses...feel free to give me a ping. Until then, enjoy your ignorance.